Credit Cards Center Credit cards from our partners
Reply
New Contributor
Posts: 63
Registered: ‎09-02-2010
0

Hillarious Response from Capital One Backdoor Number

[ Edited ]

So I've had my regular Captal One Platinum Visa for over 2 and a half years, and my CL was stuck at $500. So I finally got fed up with it and called the backdoor number and this is how it went.

 

Me: I had this card for over 2 years and the credit limit remained stuck at $500. I am not sure if I want to keep the card with such small limit.

Manager: Ok let me review the account. oh you are enrolled in credit steps... oh wait that was back in 2008. Stay on the line for a moment

Me: (Waiting for a few minutes)

Manager: Unfortunately there's nothing I can do for you right now. I went through all the possible loopholes. all I can reccomend is,make a big purchase

and pay it off a few times a month, you can do that up to 4 times per month, to make your account more noticeable. I cannot guarantee anything though.

Me: That doesn't really help.

Manager: Why don't you try and apply for a credit card from other big lending companies and use your capital one card as a fallback card.

Me: Uh, ok. Seriously?

 

Yes people, Capital one manager actually recommended me to get a card from another company.

Smiley Very Happy Don't worry Capital one, I already got a Chase Visa Signature at $5K limit and other cards.

 

P.S. Actually The Cap one card has 5.9% apr for purchase/BT.  Maybe if I transferred $500 a couple times from Chase to Capital one and paid it off instead of Paying to Chase directly maybe that might do it? Smiley Tongue

EQ 734 (2010/09) 680 (2011/08) 700 (2012/04) 701 (2013/01) | EX 737 (2011/09 AMEX) | TU 755 (2010/09) 721 (2011/09)
Amex Platinum NPSL / Blue Cash Preferred $10K | BofA Visa $9K | Discover More $8.5K | Cap1 Best Buy MC $7K | Chase Ink Bold $12.5K / Sapphire Preferred $5.5K / MileagePlus Select Visa $5K / Freedom $2K | Dell Store $3K
Frequent Contributor
Posts: 483
Registered: ‎06-07-2010
0

Re: Hillarious Response from Capital One Backdoor Number

Nice ... was his name Becky?

EQ 715 8-4-12 // Walmart TU 720 8-11-12 // TU 04 744 (cc pull) 8-23-12 EXP (cc pull) 707 8-23-12
~~In my wallet: Chase Freedom, Discover More , US Bank, Walmart Discover, CitiDividend Platinum Select , Target Red Card

Photobucket
Established Contributor
Posts: 786
Registered: ‎09-15-2008
0

Re: Hillarious Response from Capital One Backdoor Number

 


daboss28 wrote:

Nice ... was his name Becky?


You're thinking of Peggy.

 


Starting Score: 454
Current Score: 690
Goal Score: 750


Take the FICO Fitness Challenge
Frequent Contributor
Posts: 483
Registered: ‎06-07-2010
0

Re: Hillarious Response from Capital One Backdoor Number

ahhh ... yes I was      Smiley Wink

EQ 715 8-4-12 // Walmart TU 720 8-11-12 // TU 04 744 (cc pull) 8-23-12 EXP (cc pull) 707 8-23-12
~~In my wallet: Chase Freedom, Discover More , US Bank, Walmart Discover, CitiDividend Platinum Select , Target Red Card

Photobucket
Valued Member
Posts: 72
Registered: ‎07-14-2009
0

Re: Hillarious Response from Capital One Backdoor Number

Now that's funny! I assume since you've had it for 2 years you have been using it regularly? So if you're account wasn't noticed then, why would it be noticed later?


Starting Score: (5/25/10) TU: 599, EQ: 592, EX: 566
Current Score: (9/24/10) TU FICO: 619, EQ FICO: 611, EX (Plus Score as of 9/23/10) 650
Goal Score: 700 and beyond!


Senior Contributor
Posts: 3,528
Registered: ‎01-19-2009
0

Re: Hillarious Response from Capital One Backdoor Number

Maybe you should try pre approval for a new captial one card and when your approved ask them to combine accounts

here is the link for pre approval, its just a soft inquiry I heard

go to capitalone.com  and choose credit cards at the top menu than see if I am pre qualified

 

New Contributor
Posts: 63
Registered: ‎09-02-2010
0

Re: Hillarious Response from Capital One Backdoor Number

Already tried the pre-approval.. guess what I ended up with? 3 inquiries on all 3 credit reporting agencies without the new card - because they didn't want to approve me for another Capital one card. Smiley Mad

EQ 734 (2010/09) 680 (2011/08) 700 (2012/04) 701 (2013/01) | EX 737 (2011/09 AMEX) | TU 755 (2010/09) 721 (2011/09)
Amex Platinum NPSL / Blue Cash Preferred $10K | BofA Visa $9K | Discover More $8.5K | Cap1 Best Buy MC $7K | Chase Ink Bold $12.5K / Sapphire Preferred $5.5K / MileagePlus Select Visa $5K / Freedom $2K | Dell Store $3K
Senior Contributor
Posts: 3,528
Registered: ‎01-19-2009
0

Re: Hillarious Response from Capital One Backdoor Number

Wow sorry for the bad advice

Frequent Contributor
Posts: 346
Registered: ‎08-31-2010
0

Re: Hillarious Response from Capital One Backdoor Number

 


saaws wrote:

Already tried the pre-approval.. guess what I ended up with? 3 inquiries on all 3 credit reporting agencies without the new card - because they didn't want to approve me for another Capital one card. Smiley Mad


Uh, you shouldnt have any hard inquiries if you did only the preapproval page.  I just went through this 3 weeks ago and i received no hard hits until I actually applied for the card.

 

3/2010 - EX 555 (FAKO) EQ 542 TU 548
GOAL: 680+
Goal exceeded! - EQ - 712 TU - 701
2/2015 - 750+ across the board!
New Contributor
Posts: 63
Registered: ‎09-02-2010
0

Re: Hillarious Response from Capital One Backdoor Number

It said I was preapproved for No hassle Cash back. So I tried and got turned down

EQ 734 (2010/09) 680 (2011/08) 700 (2012/04) 701 (2013/01) | EX 737 (2011/09 AMEX) | TU 755 (2010/09) 721 (2011/09)
Amex Platinum NPSL / Blue Cash Preferred $10K | BofA Visa $9K | Discover More $8.5K | Cap1 Best Buy MC $7K | Chase Ink Bold $12.5K / Sapphire Preferred $5.5K / MileagePlus Select Visa $5K / Freedom $2K | Dell Store $3K
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.